Excellent communication through the process
Marie did her best to assist the client with a smooth and transparent process. Thank you again!
By Racine T.
Sunday, November 8, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
285 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
As the #1 direct lender for restaurateurs and hospitality businesses across the country, backed by decades of experience, we know a thing or two about business owners like you. What’s more, we live and work in your community, understand the local market, and we’re committed to offering the right financial products to fulfill your individual business goals.
ARF Financial (arffinancial.com) has 285 customer reviews on The Fair Hearing, with an average rating of 4.9 out of 5.
Showing 278 reviews with 5 stars · Clear filters
Marie did her best to assist the client with a smooth and transparent process. Thank you again!
By Racine T.
The client was looking for 1m in funding Maria worked hard and explained to him how finance really works. Once he was better educated he settled for 85k loc. Maria made the deal happen.
By Mark
Karen was awesome in assisting us with our business needs. She is second to none with her service. I highly recommend ARF Financial for your business needs.
By R. S.
Karen is very helpful. The entire process was seemless.
By Raj
Love working with John Cosetino and the ARF team. They make funding easy and simple!
By brent F.
This is one of the easiest companies to work with I have for years ,and my Rep Karen is the best ..
By BW S.
Karen from ARF is awesome and I would recommend her and her team to anyone looking for capital for operation expenses or expansion.
By Pamela
Laura is fantastic to work with and a real asset. We had a blast working together and I can't wait to do it again. She deserves everything she's obtained thus far and deserves much much more. Thank you for being such a rockstar to work with. I appreciate you more than you know. Thank you!!!!!
By Leander